The VA home loan program is often the best mortgage option for veterans, active-duty service members, and surviving spouses who qualify. With a VA loan, you may be able to purchase a home with no down payment, no ongoing mortgage insurance, and interest rates among the lowest on the market.
As with any loan, however, the key is choosing the right company to work with. To that end, we’ve put together a list of the top VA mortgage lenders by loans completed in February 2026, the most recent data available from the U.S. Department of Veterans Affairs.
Top VA Purchase Lenders by Loans Completed February 2026
Purchase loans are mortgages obtained by borrowers for the purpose of buying a home. This can include financing for both new construction and existing properties.
These are the top 10 VA purchase loan lenders by loans completed in February 2026.
| Rank | Lender | Loans Issued | Average Loan Size | Total Loan Amount |
|---|---|---|---|---|
| 1 | Veterans United Home Loans | 4,071 | $345,548 | $1,406,726,157 |
| 2 | United Wholesale Mortgage | 1,396 | $474,197 | $661,979,356 |
| 3 | Navy Federal Credit Union | 1,038 | $387,604 | $402,333,272 |
| 4 | DHI Mortgage | 684 | $367,159 | $251,136,416 |
| 5 | CrossCountry Mortgage | 578 | $427,239 | $246,944,229 |
| 6 | Rocket Mortgage | 487 | $435,187 | $211,936,132 |
| 7 | CMG Financial | 476 | $450,656 | $214,512,422 |
| 8 | Lennar Mortgage | 407 | $361,815 | $147,258,693 |
| 9 | USAA | 377 | $397,199 | $149,743,930 |
| 10 | Newrez | 348 | $483,441 | $168,237,525 |
10 Top VA Home Loan Purchase Lenders
Choosing the right mortgage lender is a vital part of the homebuying process. Not every company is approved to offer VA loans, and many that are may originate only a handful of mortgages each year.
By working with a lender who’s experienced in VA lending, you can help ensure the most seamless and stress-free experience possible from submitting an application all the way to the closing table – and beyond.
1. Veterans United Home Loans
For nearly 25 years, Columbia, MO-based Veterans United Home Loans has specialized in helping service members and veterans become homeowners through the VA loan program. Ranked the highest-volume VA purchase loan lender every year since 2016, Veterans United holds onto the #1 spot with a total of 4,071 purchase loan originations – nearly three times as many as the next-highest lender.
Veterans United Home Loans also maintains an A+ rating from the Better Business Bureau and has been ranked highly by J.D. Power for customer satisfaction among mortgage lenders.
Veterans United Home Loans is a registered DBA of Mortgage Research Center, LLC, an affiliate of Three Creeks Media.
2. United Wholesale Mortgage
United Wholesale Mortgage (UWM) consistently ranks among the largest overall lenders in the country. UWM operates in a wholesale capacity, connecting with borrowers through an expansive nationwide network of mortgage brokers.
While they don’t lend directly to consumers through local branches or a dedicated web presence, there’s a good chance that most brokers you speak with will offer financing through United Wholesale Mortgage. In February, they originated a total of 1,398 VA purchase loans.
3. Navy Federal Credit Union
In business since 1933, Navy Federal Credit Union is the largest member-owned, not-for-profit credit union in the world, serving more than 15 million members as of late 2025. Membership with Navy Federal is restricted to service members, veterans, DoD employees, and eligible family and household members.
With the company’s size and focus on serving the military community, it’s no surprise that Navy Federal Credit Union takes the #3 spot on the February 2026 list with 1,038 VA purchase loans issued.
4. DHI Mortgage
DHI Mortgage is the in-house affiliated lender of D.R. Horton, ranked the largest new-construction home builder in the United States every year since 2002. While DHI does issue loans for other types of properties, the majority of its business comes from financing newly built homes through the D.R. Horton brand.
5. CrossCountry Mortgage
In business since 2003, CrossCountry Mortgage has positioned itself as one of the largest direct-to-consumer lenders in the United States, with more than 700 local branches operating in all 50 states, the District of Columbia, and Puerto Rico.
Coming in at the #5 spot, CrossCountry is the final lender on our list to cross the 500-originations mark with a total of 578 VA purchase loans issued during the month of February.
6. Rocket Mortgage
Founded as Rock Financial in 1985, Rocket Mortgage has seen substantial growth in recent years through its digital-first, direct-to-consumer online presence, innovative use of AI in the lending process, and extensive marketing campaigns, including its highly received Super Bowl ad spots.
7. CMG Financial
Headquartered in San Ramon, CA, CMG Financial has been originating home loans for more than three decades, both directly to borrowers and through a robust nationwide network of mortgage brokers. CMG ranks #7 on this month’s VA purchase loan list with a total of 476 originations.
8. Lennar Mortgage
Lennar Mortgage operates as the affiliated in-house lender for Lennar Homes, the second-largest home builder in the United States. Like many other builder-associated lenders, Lennar Mortgage primarily focuses on financing new construction but also functions as a traditional lender, offering loans for non-Lennar purchases as well.
9. USAA
Founded in 1922 as an automotive insurance company, USAA has since evolved into a diversified financial services provider for members of the military, both past and present, and their families. In February, their mortgage services division originated 377 VA purchase loans, earning the company the #9 spot this month.
10. Newrez
As one of the newest lenders on our list, Fort Washington, PA-based Newrez, in business since 2018, rounds out the February rankings with 348 issued VA purchase loans. Newrez operates through a wholesale network of mortgage brokers, as well as directly to consumers with more than 130 retail locations and a sophisticated online platform.
Top VA Cash-Out Refinance Lenders February 2026
Existing homeowners use cash-out refinances to borrow against the equity in their property. In some cases, a VA cash-out refinance may be used to refinance a different type of mortgage into the VA home loan program.
These are the top 10 VA cash-out refinance lenders by cash-out loans completed in February 2026.
| Rank | Lender | Loans Issued | Average Loan Size | Total Loan Amount |
|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 1,075 | $388,784 | $417,942,967 |
| 2 | Rocket Mortgage | 927 | $353,219 | $327,434,085 |
| 3 | Freedom Mortgage | 647 | $356,982 | $230,967,182 |
| 4 | Village Capital & Investment | 389 | $367,898 | $143,112,307 |
| 5 | New Day Financial | 380 | $296,193 | $112,553,454 |
| 6 | Pennymac | 297 | $368,991 | $109,590,432 |
| 7 | Veterans United Home Loans | 296 | $362,948 | $107,432,628 |
| 8 | Navy Federal Credit Union | 267 | $411,880 | $109,972,046 |
| 9 | LoanDepot | 242 | $349,637 | $84,612,238 |
| 10 | The Federal Savings Bank | 187 | $403,706 | $75,492,978 |
Top VA IRRRL Lenders by Loan Count February 2026
The VA Interest Rate Reduction Refinance Loan, commonly abbreviated as IRRRL, is a streamline refinance program that allows current VA loan holders to reduce their interest rate and adjust the term of their mortgage without re-verification of income, a full credit check, or a new appraisal.
Here are the top 10 VA IRRRL lenders by loan count in February.
| Rank | Lender | Loans Issued | Average Loan Size | Total Loan Amount |
|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 4,635 | $423,719 | $1,963,936,118 |
| 2 | Freedom Mortgage | 3,129 | $395,559 | $1,237,705,139 |
| 3 | Pennymac | 1,696 | $399,104 | $676,880,624 |
| 4 | Rocket Mortgage | 1,370 | $418,219 | $572,960,424 |
| 5 | Veterans United Home Loans | 1,117 | $352,112 | $393,308,736 |
| 6 | Village Capital & Investment | 980 | $385,490 | $377,779,793 |
| 7 | Newrez | 948 | $440,578 | $417,667,996 |
| 8 | Planet Home Lending | 502 | $380,686 | $191,104,572 |
| 9 | CrossCountry Mortgage | 457 | $468,004 | $213,877,796 |
| 10 | Lakeview | 373 | $432,559 | $161,344,547 |
Choosing the Best VA Lender for You
While bigger doesn’t inherently mean better when searching for a lender, VA mortgages have their own nuances and procedures that can differ from other types of loans. Choosing a company with considerable experience with the VA mortgage program can often simplify the borrowing process and help avoid unnecessary mistakes or delays.
